Gold Coast Federal Credit Union West Palm Beach, Florida
Gold Coast Federal Credit Union is a federal credit union headquartered in West Palm Beach, FL, established in 1936 (NCUA charter 967), and it is regulated and insured by the NCUA. At Q2 2026 it reported 19,485 members and total assets of $269.8M (up 3.6% from Q2 2025), the 48th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 11.91% at Q2 2026, in the well capitalized band.
Also written as Gold Coast FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 967
- Headquarters
- West Palm Beach, FL
- Established
- 1936
- Total assets, Q2 2026
- $269.8M
- Assets vs Q2 2025
- +3.6%
- Members, Q2 2026
- 19,485
- Net worth ratio, Q2 2026
- 11.91%
- Latest call report
- Q2 2026, NCUA 5300 · Gold Coast Federal Credit Union call report
- Asset rank in state
- 48th of 106 in Florida
- Routing number
- 267083336
- Branches
- 4
It has 436 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was up 0.35 percentage points from 11.56% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $54.8M of $131.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.91% net worth ratio is above that band's 11.43% median.
Frequently asked about Gold Coast Federal Credit Union
How big is Gold Coast Federal Credit Union?
At Q2 2026 it reported total assets of $269.8M and 19,485 members.
Where is Gold Coast Federal Credit Union headquartered?
It is headquartered in West Palm Beach, FL, United States.
When was Gold Coast Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Gold Coast Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 967): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Gold Coast Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Gold Coast Federal Credit Union well capitalized?
Its net worth ratio was 11.91% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Gold Coast Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.43% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Gold Coast Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 54.64% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- West Palm Beach, FL 33406
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 967
- RSSD ID
- 617378
- Members
- 19,485
- Potential members
- 599,081
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.91% | 11.43% | 56th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.73% | 0.81% | 45th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.22% | 7.02% | 44th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.57% | 3.70% | 42nd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 80.95% | 76.55% | 34th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.46% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.43% | 0.68% | 72nd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.03% | 4.92% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 54.64% | 75.66% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$269.8M total assets against $260.4M; $239.9M total shares and deposits against $232.7M; $131.1M total loans against $115.2M.
$31.5M net worth against $29.9M.
11.91% net worth ratio against 11.56%.
54.64% loan-to-share ratio against 49.51%.
0.43% delinquency ratio against 0.25%.
0.73% return on assets against 0.53%; 6.22% return on equity against 4.54%.
3.57% net interest margin against 3.73%.
19,485 members against 19,921.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.91% | 0.73% | 0.43% | 54.64% |
| March 31, 2026 | 11.83% | 0.43% | 0.52% | 49.33% |
| December 31, 2025 | 11.90% | 0.58% | 0.40% | 48.98% |
| September 30, 2025 | 11.90% | 0.80% | 0.38% | 51.03% |
| June 30, 2025 | 11.56% | 0.53% | 0.25% | 49.51% |
| March 31, 2025 | 11.54% | 0.61% | 0.33% | 45.31% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.